Emirates NBD Investor Presentation
Loan and Deposit Trends
Highlights
Trend in Gross Loans by Type (AED billion)
◉
Signs of pickup in new underwriting in 2011:
Gross loans increased 6% y-o-y
221
212
Organic growth in gross loans of 1.5% y-o-y (excl.
205
162
173
Dubai Bank Impact)
-
25% increase in irrevocable loan commitments in H2
2011
27
26
Balance sheet optimisation initiatives successful in
improving deposit mix:
CASA organic growth of AED 14 billion in 2011 (excl.
Dubai Bank Impact)
Decline in time deposits of AED 31 billion in 2011
CASA % age of total deposits 41% at end-2011 vs.
31% at end-2010
21
2-
Q4 08
Dubai Bank (DB)
+6%
216
8
163
166
26
21
22
20
2
20
20
19
1
1
Q4 09
Corporate
Q4 10
Q4 11
Consumer
Islamic, Excl DB
Treasury
* Annualised CAGR, excluding impact of Dubai Bank in Q4 2011
Trend in Deposit by Type (AED billion)
Emirates NBD
181
162
2
ယထ
-3%
200
1
193
11
137
106
122
103
57
56
61
75
Q4 08
Q4 09
Dubai Bank
Other
Q4 10
Time
Q4 11
CASA
24
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